M&S Money Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Motor Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Motor Insurance and Household Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Household Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, M&S Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks and Spencers once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks & Spencer, through its M&S Money website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Household Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

When you're shopping at Marks & Spenser online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Money. Offering everything from savings accounts and credit cards, to Household Insurance and Motor Insurance, there's a lot more going on at Marks & Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Money. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Money website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

Autograph Microfibre & Cashmere All Seasons Filled Duvet, at Marks and Spencer
2 part set Splits into 2 seperate covers or combined 4.5 tog: the coolest of all duvets, designed for summer use 9 tog: ideal for Spring and Autumn use, or all round use in homes with central heating Non-allergenic 300 thread count and 100% cotton jacquard cover Pocket construction for even warmth Comes in single (3ft), double (4ft 6in), king size (5ft) and super king size (6ft)x Which tog? Tog measures the warmth of a duvet based on its ability to trap warm air. The higher the tog rating, the warmer the duvet. The perfect tog is a personal choice which can depend upon you and your home, Manufacturer: Marks & Spencer

Per Una Delight Trousers, at MarksandSpencer
Fabulous high waist trousers in a crisp linen blend featuring a granite effect button

Per Una Pure Silk 3/4 Sleeve Maxi Dress, at Marks & Spencer
Pretty and feminine, this long length dress is stylishly detailed with an animal print and flared hem

Gardening Female Cake, at Marks & Spenser
Serves 36 Chocolate cake: a rich chocolate cake filled with milk chocolate ganache. Can be eaten up to 5 days after collection Cake size: 20.5cm square 1.95kg total weight Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 64 of the Food to Order brochure Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Panasonic 32'' TX-L32S10 Full HD LCD TV, at Marks & Spencer
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 32 inch plasma screen, 2,073,600 (1,920 x 1,080) pixels Contrast Ratio: Dynamic Contrast 50,000:1 Dimensions: W79.8 x H55.1 x D21.7cm (with stand), W79.8 x H51.1 x D9.3cm (without stand) Weight: 13kg (with stand) V-Audio: Unique sound technology that delivers crystal-clear sound with superior bass performance Connectors: 3 HDMI, 2 Scart, Composite video input, S-video input, Audio Input, Component video input, Mini-D sub, Digital audio output, Headphone jack VIERA Superior Picture Quality: The VIERA system provides richly expressed images with enhanced contrast and deeper natural colours Intelligent Frame Creation With 24p Playback: With 50Hz video signal input, the Intelligent Frame Creation achieves high moving picture resolution even in fast-motion scenes. 24p Playback creates high speed playback of images to recreate the full cinematic experience VIERA Link: Enables you to control all your Panasonic AV systems with only one remote Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

18 Oak Smoked Salmon Appetisers, at Marks & Spencer
18 pieces Serves 4 Ready to eat Suitable for freezing 180g As featured on page 10 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Isis Woman Eau de Toilette, at Marks and Spencer
Eau de toilette 90ml This product is not available for international delivery. Find out more

Autograph Lip Pencil, at Marks&Spencer
Soft textured twist-up lipliner with brush for defining and shading lips Hypo-allergenic

Autograph Milan Soap Dish, at M&S
Dipped centre Wall mounted Approx size: W10.6 x L7 x D1.3cm, Manufacturer: Marks & Spencer

Bodegas Age Rioja 2008 - Case of 12, at Marks and Spencers
Style: Medium bodied Grape variety: Tempranillo Country of origin: Spain Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Weekend Modal Rich Dressing Gown, at Marks and Spencer
Modern and sophisticated, this spot print dressing gown is part of our exclusive Autograph Weekend collection. It's beautifully designed and made from modal with stretch which feels incredibly soft and comfortable to wear

Medium Pebbles Hurricane Lamp, at Marks and Spencers
High sides Pillar candle shape Hooked candle carrier Pebble feature, Manufacturer: Marks & Spencer

Autograph Leather Lattice Mules, at Marks and Spencer
Open toe Lattice design Slip on High heel Heel height: 9cm Made with Insolia technology, an exclusive innovation that makes high heels more comfortable to wear and better for your body's alignment and balance. They work by taking the weight off your toes, so there's less pressure and more stability. Your legs, back and feet stay more comfy all day

Nectarine and Orange Collection Scented Spheres, at Marks & Spencers
Nectarine and orange scent Pot pourri, Manufacturer: Marks & Spencer

Per Una Short Soft Sleeve Top, at Marks & Spencers
A smart short sleeve top in a soft stretch fabric featuring a scoop neck and ruched detail

Barossa Chardonnay 2007 - Case of 6, at Marks and Spencers
Style: Dry Grape variety: Chardonnay Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml:1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Kaituna Hills Reserve Chardonnay 2007 - Case of 6, at Marks & Spencers
Style: Dry Grape variety: Chardonnay Country of origin: New Zealand Closure: Screw cap Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Mr & Mrs Smith The Hotel Collection - UK and Ireland, at Marks & Spenser
There are some wonderful places to stay out there, if you know where to find them. It's fine to have high expectations - so long as the experience lives up to them. Mr & Mrs Smith guides you around the UK and Ireland's most stylish and individual hotels

Per Una Linen Blend Lightweight Jacket with Scarf, at Mark's & Spencer
A smart single breasted lightweight jacket in a cool linen blend fabric. A woven scarf makes it extra stylish

Linen Blend Pintuck Short Sleeve Shirt, at Marks & Spenser
Comfortable and versatile, this linen blend short sleeve shirt is a classic style, perfect for smart dressing

Girls' Limited Bold Stripe Tie Cardigan, at Marks & Spencers
Part of Girls Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Ceriso Lace Trim Animal Print Padded Bra, at Mark & Spensers
Sassy and glamorous, this modern bra is beautifully detailed with an animal print and lace trim. Soft padding and underwiring give great support and a flattering enhanced flattering shape. Designed for women who want the latest look

Pure Wool Lightweight Check Scarf, at Marks & Spensers
Add a fashionable finishing touch to your look with this pure wool check design scarf. The perfect accessory to this season's styles

Limited Collection Vintage Charm Bracelet, at Marks & Spencers
Clasp fastening Adjustable length Mixed charms

Bandeau Style Textured Swimsuit, at Marks and Spencer
Modern and sassy, this strapless swimsuit is designed to stay securely in place while you work on your tan. A fabulous fashionable look

Broad Stripe Wide Leg Trousers, at Marks & Spenser
Fluid and feminine, these wide leg trousers are cut to flatter, giving an elegant silhouette. A stylish, fashionable look

Formula Age Restructure™ Night Cream + Calcium Complex, at Marks and Spencer
Luxuriously rich cream for the 60+ complexion Deepaline PVB, for dual-action wrinkle control Calcium complex to firm and improve the structure of sagging skin Collageneer a lupin extract to strengthen the dermis and improve skin elasticity Wild yam to replenish and soothe Creatine to revitalise fatigued skin Shea butter and rosehip oil to nourish and replenish Suitable for all skin types Hypoallergenic 50ml e

Per Una Linen Blend Frill Detail Cardigan, at M&S
A fashionable long sleeve cardigan in cool linen blend fabric. Front frill detail gives it the Per Una touch

Limited Collection Slingback Bow Shoes, at Marks and Spenser
Open toe Slingback style Mid heel Bow detail Comes in sizes 3-8, including half sizes Heel height: 6cm

Autograph Twin Pleat Stripe Morning Trousers, at Mark's & Spencer
The tailored cut of these smart trousers reveals a timeless style perfectly suited for refined formality, while twin pleats and stripes add a dash of debonair charm

Contrary to popular opinion, not every insurance company is out to get you, and it's not every insurance company that will disect the fine-print until they find some way of denying your insurance claim. However, you do need to shop around for the financial products and insurance policies that are the best suited for your individual needs.

That's why insurance policies, and other financial products, from Marks&Spencer are so useful. M&S Money financial products are, of course, designed to make M&S a profit, but there is no denying that they are also very good value for money, offering many features as standard which you'd often need to pay extra for at other insurance companies.

Take, for example, Household Insurance policies. Usually, UK Household Insurance policies have limits on particular types of items such as freezer contents, garden furniture and outdoor toys, outbuildings or cars, etc. These restrictions are called inner limits. However, the only inner limits on the M&S Money Household Insurance policy are £500 for cash; £2m for property-owners and personal liability; £10m for domestic employees liability and £40,000 for tenants liability. Even better is the fact that you're likely to pay no more for M&S Money Household Insurance than you will anywhere else, and you may even pay less with M&S.